lifetime-free
LIC Lumine Credit Card (Issued by: IDBI Bank)
Fully lifetime-free LIC co-branded card with milestone bonuses and personal accident cover.
Annual Fee
₹0 (Joining, Annual, Renewal all Nil)
Rewards
3 DP/₹100
Lounge Access
No
Fuel Waiver
1% (₹400-4K, ₹300/mo cap)
Milestone
1,000 DP on ₹1L annual spend + 1,500 DP on ₹2L annual spend Best For: LIC policyholders, agents, and employees
Best For
LIC policyholders, agents, and employees
Welcome Offer
500 DP on activation + 500 DP on first ₹2,000+ transaction within 30 days
Type
Lifetime-Free
Description
Co-branded with LIC Cards Services, this fully lifetime-free card (no joining, annual, or renewal fee) earns 3 Delight Points per ₹100 spent. Includes milestone bonuses of 1,000 points on ₹1L annual spend and 1,500 points on ₹2L spend, ₹2L personal accidental death insurance with Credit Shield cover, and a 1% fuel surcharge waiver. Initially targeted at LIC policyholders, agents and employees. No lounge access.
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